Quantum Four


Life is filled with many memorable moments at various stages. Vacation, Marriage, House, Car, Children, Retirement all form part of these precious moments. These events carry responsibility and they are best enjoyed and money saved for those moments.

ALLIANCE INSURANCE understands your need to save, invest and protect your family through these stages in life. QUANTUM FOUR PLATINUM is an investment and protection plan offering FOUR maturities at regular predetermined intervals during the plan period. This enables you to provide for the various stages in your life. You can earn attractive returns for your savings at the end of the plan term while enjoying the four partial maturity payments and maintaining full life assurance coverage.

You can also add additional optional benefits to the plan thereby offering protection for a number of probable risks you may encounter during the policy period.

With affordable premium options and shorter premium paying period, QUANTUM FOUR PLATINUM can be customized to suit your requirement making it an ideal choice for your savings and protection.

Life Assurance

Premium Currency UAE Dhirams
US Dollars
Entry Age Minimum: 5 years
Maximum: 65 years
Maximum Maturity Age 80 years
Policy Term 12, 16, 20 & 24 years
Policy Payment Term Single Pay
3 years pay
5 years pay
8 years pay & Full Term Pay
Premium Payment Mode Monthly
Half-yearly & Annual
Guaranteed Survival Benefit 15% of Sum Assured – 1/4th policy term
15% of Sum Assured – 2/4th policy term
20% of Sum Assured – 3/4th policy term
50% of Sum Assured + Terminal Bonus at the end of Policy Term
Death Benefit Sum Assured + Terminal Bonuses
Additional (Optional) Benefits Critical Illness 40
Permanent/ Partial Total Disability
Accidental Death and Dismemberment
Triple Accident Benefit
Waiver of Premium Benefit
Passive War Benefit
Family Income Benefit
Premium Interruption Policy Revival period of 2 years
Automatic Premium Loan
Paid up option
Surrender option
Extended Term Cover
For Critical Illness cover Maximum entry age is 65 years
Maximum coverage age is 70 years
Up to 50% of basic Sum Assured can be availed

Quantum Four Platinum is savings and protection plan offering FOUR maturities at regular predetermined intervals during the tenure of the plan.

You benefits from the four time maturity payout enabling you to have better liquidity along with the attractive returns which can be used for marriage, education, vacation, retirement or just about anything you desire.

Your Life Insurance cover remains at 100% throughout the policy term regardless of the maturity already paid.

The premium, term and payment period can be designed based on your age, sum assured and underwriting requirements thereby offering you different options to choose from.


  1. Choose the Basic Sum Assured based on your needs
  2. Choose the Policy Term as per your requirements
  3. Choose the premium payment terms as per your convenience
  4. Your premium will be calculated based on the Age, Basic Sum Assured, Policy Term and Payment Period. (subject to underwriting requirements, if any)
  5. Complete the documentation along with the other prerequisites
  6. Pay your premiums regularly/regularly
  7. Enjoy maturity Amounts at specified regular intervals + Bonus along with final maturity
  8. Stay protected throughout the policy term

This unique feature enables customers to choose shorter Premium Payment Term based on their convenience irrespective of the Policy Benefit Term.

Other than the regular premium payment option, customer can choose to pay the premiums in one of the four shorter periods mentioned below:-

  1. Single premium –One lump sum payment
  2. Three years premium payment – You can pay the premiums in just three years
  3. Five years premium payment – The premiums can be paid over a five year period.
  4. Eight year premium payment – The premium can be paid over eight years period.

On an aggregate, the customer pays reduced premiums under shorter premium payment option as compared to regular premium payment option, making the returns attractive.

These limited period premium payment option help customers to complete their premium payment well in advance so that they can enjoy the basic benefits of the plan without the hassle of paying the premium for the remainder of the term.

Sum Assured

In the event of untimely death during the policy term, the full sum assured plus terminal bonuses will be paid to the beneficiaries providing protection to the family. This is a worldwide cover with benefits payable in any country (Standard exclusion apply). The benefits are subject to payment of full premiums.

Maturity Benefits

Four payments at specific intervals will be paid throughout the plan term based on the specific percentage of the Sum Assured on survival of the policyholder.

Annual Bonus*

Each year, Alliance Insurance declares a terminal bonus which is paid when the policy matures or when the death claim of the policyholder is paid. The bonus depends on the performance of the business and is declared at Company’s discretion.

Policy Loans**

If the policyholder needs money at short notice, it is possible to obtain a loan against the cash value of the policy.**

Policy Surrender

The policyholder can surrender the policy for its cash value which will be based on a pre-defined cash value chart provided at the time of policy inception.

Automatic Premium Loan

In case of financial difficulty in paying the premiums, the Automatic Premium Loan option will enable the policyholder to pay the premium from the cash value of the policy. The APL shall continue subject to the availability of net Cash Value

Paid up Option & Extended Term Cover (ETA)***

Upon acquiring a cash value, if the policyholder is unable to continue with the premium payment they can choose convert the policy into Paid-Up status. The Sum Assured (for death and maturity) in this case will be reduced to the value of Paid-up Amount.

The policy holder also has the option to choose the Extended Term Cover option which enables the Death Benefit to continue at 100%, while the pure Endowment (ETA) value, if any, shall be paid on maturity. The term of coverage and pure endowment are dependent upon available net cash value at the time of conversion.

Policy Revival Period in case of Policy Lapse

The lapsed policy can be revived within 2 years of the last premium paid by paying the premiums due along with the penalty subject to “Declaration of Good Health”.

Foot Notes:

*The bonus cannot be used to offset future premiums, neither can it be encashed prior to maturity

** The loan interest rate shall be set at Company’s discretion.

*** Bonus is not payable upon Paid-up or ETA.